With effect from January 2013, the Group adopted Basel III framework for its capital adequacy ratio computation in accordance with the revised MAS Notice 637 and Common Equity Tier 1 is mandated under MAS Notice 637.

3

Included special dividend of 10 cents in 2012 and 5 cents in 2013 and 2014 respectively. 2015 included UOB's 80th Anniversary dividend of 20 cents.

4

From 2013, customer deposits include deposits from financial institutions relating to fund management and operating accounts.
Previously, these deposits were classified as "Deposits and balances of banks".